BBVA promotions and benefits

Secure up to €330 with BBVA!

  • Bis zu 90 € als Cashback auf deine Einkäufe mit der BBVA Debitkarte in den ersten 6 Monaten.
  • Up to €240 for the first 8 friends who open a BBVA account based on your recommendation.

Get started now and enjoy the benefits!

  • 3,75 % Cashback

    Auf bis zu 400 € Einkaufswert monatlich innerhalb der ersten 6 Monate, also bis zu 90 € direkt auf dein Konto.

  • Refer a friend

    Thirty euros for every person you successfully recruit, up to €240 total. Your friends will receive €40 starting credit.

Benefit from your BBVA current account's long-term interest rate

Open your account for free in just a few minutes.

  • Dein kostenloses Konto mit 3,75 % Zinsen p. a. on balances up to €200,000.
  • Without conditions: No minimum salary or balance requirements.
  •  Nutze das Angebot für die ersten 6 Monate – danach profitierst du von einer automatischen variablen Verzinsung, aktuell 2,5 % p. a.. 

For €0 you get the following from BBVA:

  • A free-forever current account

    Account with German IBAN and physical and digital debit cards, with no conditions at all.

  • No fees for foreign currencies

    Make purchases and withdraw cash in other currencies with absolutely no surcharges.

  • Fee-free cash withdrawals within the euro area

    Use your debit card to withdraw cash free of charge at all Mastercard ATMs in the euro area starting at €150.

  • Your extra benefit in Spain

    Withdraw cash completely free of charge at all BBVA ATMs in Spain, with no minimum amount.

Legal notice
*This offer requires that a BBVA current account be opened for the first time on September 15, 2026 or later and is valid for the first 6 months after the account is opened. The gross interest rate is 3.75% p.a. for balances up to €200,000, with no minimum amount. For balances above €200,000 and up to €500,000, the gross interest rate is 2.5% p.a.; Balances exceeding €500,000 do not accrue interest. Interest is calculated daily based on your account balance at the end of each day and is credited monthly.

interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Currently, this is 2.5% p.a. without further requirements or 3% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card totaling over €1,500. 

Balances exceeding €500,000 do not accrue interest. Interest rates are reviewed quarterly and may be adjusted. Regardless, the interest rate is always at least 25% of the ECB's applicable interest rate for its deposit facility. 

Only transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account. 

The following are excluded: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

**The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.75% cashback on online and offline purchases totaling up to €400 in purchase value. This means that up to €90 cashback can be credited within 6 months. The maximum cashback payment is €15.00 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de.